Compare Ute & Truck Finance from 50+ Australian Lenders
From dual-cab 4x4s to full-size American trucks, line up sharp rates and repayments that fit your budget.
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Ute and Truck Finance Made Simple
Whether you’re eyeing a Toyota HiLux, Ford Ranger, Isuzu D-MAX or a full-size RAM 1500, Ford F-150/F-250 or Chevy Silverado, we’ll help you finance it on terms that work for you.
Borrow What You Need
Typical amounts from $10,000 to $150,000+
Flexible Terms
1 to 7-year terms — set repayments to suit your cash flow
Fast Decisions
Eligible applications can be assessed the same day
New or Used
Dealer, auction or private sale supported
Predictable Repayments
Lock in fixed repayments so you always know what’s due
Towing & Fit-outs
Bull bars, tow kits, canopies and trays can often be bundled
How it works
Compare lenders without the run-around — clear offers, quick steps, and help at every stage.
Apply online in 3 minutes
Tell us about you, the ute or truck you want, and your budget.
See matched options
Compare secured vs unsecured, fixed vs variable — side by side.
Upload your documents
ID, income and recent bank statements usually do the trick.
Settle & drive
We coordinate with the lender and seller so you can pick up sooner.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to ute and truck finance
Need a dual-cab for the family and the job site, or stepping up to a full-size truck for towing? A ute or truck loan lets you buy now and spread the cost into manageable repayments over 1–7 years. You keep your savings intact while getting the capability you want — payload, towing, 4x4, accessories — right away.
Lenders look at your income, credit history and the vehicle’s age/value to size the loan and set the rate. Newer vehicles (including RAM 1500/2500, Ford F-150/F-250 and Silverado) can unlock sharper pricing and longer terms; older models are still financeable with slightly different limits. The right structure makes the difference between a stretch and a comfortable fit.
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Types of ute and truck loans
Pick the structure that fits your budget and ownership plans:
What can you use ute and truck finance for?
Tailor your finance to how you actually use your vehicle — weekday workhorse, weekend adventure or both.
Work & Trades
Finance a HiLux, Ranger, BT-50, D-MAX or Triton fitted with trays, canopies, ladder racks and drawers so you can carry tools safely and stay organised.
Family Dual-Cab
Get a safe, roomy dual-cab with ISOFIX and modern safety tech — perfect for school runs and weekend trips.
Off-Road & Touring
Step up to a 4x4 build with suspension, bull bar, tow kit and snorkel — or go full touring spec for the Big Lap.
Towing Power
Need serious tow capacity for a boat, caravan or car trailer? Consider full-size trucks like RAM 1500/2500, F-150/F-250 or Silverado.
Lifestyle & Recreation
Mountain bikes, surfboards, camping gear — set up your rig for the hobbies that make weekends worth it.
Replacement Vehicle
Upgrade from an unreliable ute into something safer, stronger and more efficient without a big upfront hit.
Case Study
Alex & Priya
Alex & Priya step up to a RAM 1500—power for the 3.5t van, payments that fit
Challenge: Towing a 3.5-tonne caravan safely meant stepping beyond their old ute, but Alex and Priya didn’t want repayments derailing the household budget.
Solution: A secured, fixed-rate 5-year loan funded 90% of a low-km RAM 1500, with tow package, brake controller and canopy bundled at settlement.
Emu Money compared multiple lenders and they chose a sharp fixed rate with one consolidated repayment. The result was a calmer, more capable tow rig and a calendar full of longer trips—no giant deposit, no surprises, and monthly costs that stay comfortably on track.
How much can you borrow?
Loan sizes typically range from $10,000 to $150,000+. New utes and full-size trucks can often be financed up to 100% of the purchase price (subject to profile and lender policy). Used vehicles are usually capped at 80–90% of value.
Terms run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. We’ll help you find the balance that fits your budget.
Ute and Truck Finance Repayment Calculator
Model your repayments before you apply. Adjust amount, rate, term and balloon to see what fits.
Balance over time
Are you eligible for ute and truck finance?
Lenders want to see that the repayments fit comfortably alongside your other bills. They’ll consider your income, employment stability, credit history and bank-statement health. The vehicle matters too — newer utes and trucks (including RAM, F-Series and Silverado) often attract sharper rates and longer terms, while older models may come with lower maximum LVRs and shorter terms.
If your credit isn’t perfect or you’re self-employed, there are still options. Specialist lenders may offer flexible policies so you can get into the right vehicle without unnecessary hurdles.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide recent bank statements or payslips
Buying an eligible new or used ute/truck from a dealer, auction or private seller
How to apply for ute and truck finance
Apply online in a few minutes, upload your documents, and we’ll do the legwork. We’ll compare lender offers, explain the differences, and manage settlement with the seller so pickup is smooth.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details
Vehicle details (VIN, rego, invoice/quote) — plus accessory quotes if you’re bundling fit-outs
How to save money on ute and truck finance
Look beyond the headline rate. Secured loans usually price sharper than unsecured. A balloon can cut monthly repayments but leaves a lump sum at the end — set the balloon to align with expected resale value. Newer vehicles often qualify for better pricing and longer terms. Bundle accessories (tow kits, canopy, tray, bull bar) at settlement so they’re financed at the same competitive rate. And always check fees and early-repayment policies to avoid bill-shock later.
Example: Balloon impact — $55,000 over 60 months at 8.19% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,121 | Highest monthly cost |
10% ($5,500) | $1,009 | Lower monthly cost |
20% ($11,000) | $898 | Balance of cost vs cash flow |
30% ($16,500) | $787 | Lowest monthly cost; plan for resale/refinance |
Ute and truck loan options explained
These features change cost, flexibility and risk — pick what suits how you use your vehicle:
Secured vs Unsecured
Secured loans use the vehicle as collateral for sharper pricing. Unsecured loans can be faster and more flexible but usually cost more.
Fixed vs Variable
Fixed keeps repayments steady. Variable can move with the market — potential savings if rates fall, higher costs if they rise.
Balloon Payments
Lower your monthly cost by deferring a lump sum to the end. Make sure resale value or savings can cover it.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout with little/no penalty — a simple way to save interest.
Fees & Charges
Check establishment, monthly and exit fees. The total cost is rate + fees + how long you hold the loan.
Testimonials
Verified Review
I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!
Kaila B.
Verified Review
Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!
Barend B.
Verified Review
The process with Emu Money has been fantastic — completely stress-free. Thank you EMU Money I cannot thank the team enough. Having been given an opportunity to get a loan when my bank turned us away. The service team has been absolutely brilliant. When you've become used to waiting times of an hour or more with other companies - I don't think I have waited more than a couple of minutes for this team. Plus, their phone staff are so nice to deal with. Great job. I just had to acknowledge it.
Pardeep M.
Verified Review
I had the absolute pleasure of working with Bindiya Patel, and I can’t thank her enough for her immense help and outstanding service throughout the entire finance process. From the very beginning, she was professional, patient, and extremely knowledgeable, guiding me through every detail with genuine care. Bindiya went above and beyond to make sure everything was handled smoothly and efficiently. Her communication was always clear and prompt, and she made what could have been a stressful process feel easy and comfortable. I truly appreciate her dedication, honesty, and the personal touch she brings to her work. I would highly recommend Bindiya Patel to anyone looking for a trustworthy and supportive finance agent. She is simply amazing at what she does!
Jananie V.
Verified Review
We recently purchased a vehicle. Peter was very helpful, with clear instructions and real outcomes. Within 48 hrs the deal was done, only 3-5 emails, a couple of phone calls. That was a super efficient experience. We would go back!
Kishan K.
Verified Review
Robyn from Emu was a pleasure to deal with and was honest in her approach and recommendations. Loan was completed in line with the expectations set.
Kerry B.
Frequently Asked Questions
Ute and Truck Finance FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
